Income Withdrawal Examples

Please note

Below are some examples which we hope will assist you. The 3% example is to enable you to compare the use of money in a savings/deposit account with projected growth on an investment asset management account.

100,000 invested over 10 years

Investment term in years

Initial investment amount

Annual rate of growth

Quarterly withdrawals

Withdrawal amount

Investment value at end of period

10

100,000

3%

Yes

750

100,870

10

100,000

6%

Yes

1,500

100,408

10

100,000

8%

Yes

2,000

101,809

10

100,000

10%

Yes

2,500

101,414

10

100,000

12%

Yes

3,000

102,285

100,000 invested over 20 years

Investment term in years

Initial investment amount

Annual rate of growth

Quarterly withdrawals

Withdrawal amount

Investment value at end of period

20

100,000

3%

Yes

750

100,870

20

100,000

6%

Yes

1,500

101,151

20

100,000

8%

Yes

2,000

102,606

20

100,000

10%

Yes

2,500

105,244

20

100,000

12%

Yes

3,000

109,826

150,000 invested over 10 years

Investment term in years

Initial investment amount

Annual rate of growth

Quarterly withdrawals

Withdrawal amount

Investment value at end of period

10

150,000

3%

Yes

1,000.00

155,938.00

10

150,000

6%

Yes

2,200.00

153,330.00

10

150,000

8%

Yes

3,000.00

153,909.00

10

150,000

10%

Yes

3,750.00

152,122.00

10

150,000

12%

Yes

4,500.00

153,427.00

150,000 invested over 20 years

Investment term in years

Initial investment amount

Annual rate of growth

Quarterly withdrawals

Withdrawal amount

Investment value at end of period

20

150,000

3%

Yes

1,000.00

153,036.00

20

150,000

6%

Yes

2,200.00

151,726.00

20

150,000

8%

Yes

3,000.00

153,909.00

20

150,000

10%

Yes

3,750.00

157,866.00

20

150,000

12%

Yes

4,500.00

164,740.00

250,000 invested over 10 years

Investment term in years

Initial investment amount

Annual rate of growth

Quarterly withdrawals

Withdrawal amount

Investment value at end of period

10

250,000

3%

Yes

1,850.00

251,379.00

10

250,000

6%

Yes

3,750.00

251,020.00

10

250,000

8%

Yes

5,000.00

252,023.00

10

250,000

10%

Yes

6,200.00

256,922.00

10

250,000

12%

Yes

7,500.00

255,712.00

250,000 invested over 20 years

Investment term in years

Initial investment amount

Annual rate of growth

Quarterly withdrawals

Withdrawal amount

Investment value at end of period

20

250,000

3%

Yes

1,850.00

253,241.00

20

250,000

6%

Yes

3,750.00

252,878.00

20

250,000

8%

Yes

5,000.00

256,515.00

20

250,000

10%

Yes

6,200.00

250,559.00

20

250,000

12%

Yes

7,500.00

250,081.00

500,000 invested over 10 years

Investment term in years

Initial investment amount

Annual rate of growth

Quarterly withdrawals

Withdrawal amount

Investment value at end of period

10

500,000

3%

Yes

3,750.00

500,435.00

10

500,000

6%

Yes

7,400.00

507,447.00

10

500,000

8%

Yes

10,000.00

504,047.00

10

500,000

10%

Yes

12,500.00

507,073.00

10

500,000

12%

Yes

15,000.00

511,425.00

500,000 invested over 20 years

Investment term in years

Initial investment amount

Annual rate of growth

Quarterly withdrawals

Withdrawal amount

Investment value at end of period

20

500,000

3%

Yes

3,750.00

501,024.00

20

500,000

6%

Yes

7,400.00

505,756.00

20

500,000

8%

Yes

10,000.00

513,031.00

20

500,000

10%

Yes

12,500.00

501,118.00

20

500,000

12%

Yes

15,000.00

500,163.00

1,000,000 invested over 10 years

Investment term in years

Initial investment amount

Annual rate of growth

Quarterly withdrawals

Withdrawal amount

Investment value at end of period

10

1,000,000

3%

Yes

5,500.00

1,093,800.00

10

1,000,000

6%

Yes

15,000.00

1,004,083.00

10

1,000,000

8%

Yes

20,000.00

1,008,094.00

10

1,000,000

10%

Yes

25,000.00

1,014,416.00

10

1,000,000

12%

Yes

30,000.00

1,022,851.00

1,000,000 invested over 20 years

Investment term in years

Initial investment amount

Annual rate of growth

Quarterly withdrawals

Withdrawal amount

Investment value at end of period

20

1,000,000

3%

Yes

7,000.00

1,056,628.00

20

1,000,000

6%

Yes

15,000.00

1,011,512.00

20

1,000,000

8%

Yes

20,000.00

1,026,062.00

20

1,000,000

10%

Yes

25,000.00

1,052,442.00

20

1,000,000

12%

Yes

30,000.00

1,098,269.00

It should be noted that the examples above apply to whichever currency is being used for investment.

Projections

Projections are not guarantees of future performance. The figures used are based on past performance which have been matched or exceeded by the portfolios which we propose using.

Inflation

Inflation factors vary on an ongoing basis from country to country. Projected asset value will be affected by this figure. We suggest that an inflation factor of 3% per year should be estimated when calculating future values assets. Using this factor please note the following: